Yucel Cetinay

Your local Mortgage Broker & Finance Experts in South West Sydney including Abbotsbury, Fairfield, Guildford, Cabramatta & surrounds

Call: 0414 977 110

With over 20 lenders on our panel - including the big banks - Yucel and his team will find you a great loan to suit your budget and property. Let us do the research and comparison work for you!

Call Us Mortgage Choice Cronulla
Office - 0414 977 110

Open Hours Mortgage Choice Cronulla
Monday - Friday: 9:00am - 5:00pm
After hours by appointment
Free Appointment

Mobile Broker

Servicing Fairfield, Abbotsbury, Guildford, Cabramatta and surrounds

Latest home loan interest rates

Starting from

p.a.

Comparison rate

p.a.

Start your home loan journey today

Your local home loan experts, here to help you find the right loan in South West Sydney and across Australia.

Great finance doesn't have to be complicated. Wendy and her team work to make the process of finding your next loan as easy as possible, cutting through the jargon and finding you a great loan. We will:

Review your numbers and give you a clear budget to spend
Do all the shopping around for you from hundreds of quality loans
Complete all the paperwork and answer any questions from the lender on your behalf
Follow up the lenders for you, so you don't have to spend hours on hold with your bank
Carefully follow your loan through to doc signing and settlement
Remind you when it's time to review your loan

Why use Yucel & his team from Mortgage Choice?

We are different to other brokers

As with many mortgage brokers, our service comes at no cost to you. That means you get assistance with your home loan for free. That's because your lender pays us a commission after your home loan settles.

We work for you

When you use our services, we become your very own expert mortgage broking team. We work for you to get you the best deal and your home loan smoothly to settlement. We don't work for the banks, and are not affiliated with any particular lender. Our team are simply focused on the best outcome for you.

We do the research & comparison for you

Our team in South West Sydney will do all the research for you, comparing hundreds of loans to find the one that feels right for you. This might mean a loan with multiple offset accounts, redraw facilities, lump sum repayments or a specific lender. Whatever you need, we can find it for you!

We save you time

An approved home loan can have hours upon hours of research, paperwork and follow up behind it. Our team can do this work for you, consulting with you when we need it and liaising the with the lender on your behalf. Not only is it no cost to you, it means you will end up with a great loan with very little work from you.

We can find you a better deal

Researching & comparing loans is the way to get the best deal on your loan - with the lowest rate or great features. But, you may not have the time or know-how. Our team know where to look for great deals, and often have access to discounted rates from lenders.

Even if you haven't checked your home loan recently, we can help you review you loan and save money with a lower rate. Click here to find out about our refinancing services.

We want to help with your next loan.

Whatever you might be looking for, from your first home through to commercial finance, Mortgage Choice Team Cetinay to help. You don't have to leave your house to get your home loan approved either - we can do it all by phone or video.

Get started on your next loan with us! Call us on 0414 977 110 or click on Contact Us and leave us a message.

We service South West Sydney including: Guildford, Yennora, Villawood, Carramar, Lansdowne, Wetherill Park, Smithfield, Woodpark, Fairfield West, Fairfield Heights, Fairfield East, Cabramatta, Canley Vale, Canley Heights, Lansvale, Cabramatt West, Bossley Park, Edensor Park, Wetherill Park, St Johns Park, Greenfield Park, Prairewood, St Johns Park, Abbotsbury & surrounds.

Yucel can help you with:

Home loans
First home loans & government incentives
Rentvesting
Investment loans
Refinancing
Debt consolidation
Business & equipment finance
Car loans
Personal loans
Superannuation advice
and more!

Our panel of lenders

The right home loan for your needs

Our mission is to find the right home loan for your individual needs and to always have your best interests at heart. Plain and simple. Which is why we have such a wide range of lenders to choose from. We can search through hundreds of products to find something tailored to your situation. ~

First home buyer's guide

Purchasing your first property can be an overwhelming process and there may be steps you are unsure or unaware aware of. This guide will walk you through all of the steps involved in the buying process.

Download now

Eguide First Home Buyer New Cover 255X360

Help me calculate

Value of property

State

Property use

Type of dwelling

Type of property

First Home Buyer?

Calculate

Total fees:

Breakdown	Amount
Stamp duty on property
Transfer fee
Mortgage registration fee

Need help with your next home purchase?

Extra Information

Home Buyer Concession Scheme

From 1 July 2019, the FHOG ACT has been replaced with exemptions on stamp duty. The stamp duty exemption is applicable to all properties in ACT, including vacant residential land and both new and established homes at any price. As this is still to aid first home buyers, to be eligible at least one buyer must live in the home for at least 12 months, starting within 12 months of settlement or completion of construction.

To be eligible, first homeowners in the ACT must have a household income below $160,000. This number increases up to $176,650 depending on the number of children you may have.

Click here for more information on the ACT First home Owner Grant.

Stamp duty concessions in NSW

From 1 August 2020, the NSW government has announced that stamp duty will not be applicable to first home buyers for properties valued up to $800,000 and vacant land valued up to $400,000. This stamp duty exemption will be in place for 12 months to 31 July 2021, in which the stamp duty exemptions will revert back to $650,000 for homes and $350,000 for land.

Additionally, a concessional rate of duty will apply to homes valued more than $800,000 but less than $1,000,000 and vacant blocks of land valued more than $400,000 and less than $500,000

How much is the First Home Owners Grant NSW?

The FHOG in NSW is worth $10,000 however conditions apply. To be eligible, your first home must have a total value below $600,000, and be either newly constructed or ‘substantially renovated’. A home is substantially renovated when most or all of the original house was removed or replaced, and it’s the first time the place has been sold, and lived in, after the renovations were completed.

If you plan to build a new home from scratch, you can still be eligible for the FHOG in NSW as long as your land plus the home you build have a combined value of less than $750,000.

Click here for more information on the NSW First Home Owner Grant.

How much is the First Home Owners Grant in the NT?

The First Home Owner Grant in NT is $10,000. Your income and the price of your home don’t affect the FHOG NT, and the grant is available if you buy or build a new house, apartment, duplex or townhouse.

As of 30 June 2021, there are currently no stamp duty concessions for first home buyers in NT.

Previously the Territory’s First Home Owner Discount was in place from 8 February 2019 to 30 June 2021. It let you save up to a maximum of $18,601 on the cost of stamp duty. The savings were available whether you purchased a new or established home as long as the home was valued under $650,000.

Click here for more information on the NT First home Owner Grant.

How much is the First Home Owners Grant QLD?

As a first home buyer in Queensland you could be entitled to the $15,000 First Home Owner Grant. To be eligible, you need to buy a brand new home or build a home from scratch with the total value (including the land) below $750,000. You may also be eligible if you buy off the plan or an established home that’s been substantially renovated.

As a guide, substantial renovations include replacing or altering foundations or replacing or altering floors. Cosmetic work such as painting the walls or sanding floors doesn’t add up to a substantial renovation when it comes to the FHOG in QLD.

Stamp duty concessions

If you’re buying vacant land to build your first home, you pay zero stamp duty as long as you pay $400,000 or less for your block. Whereas if your first home is valued up to $500,000, you pay zero stamp duty. That’s a saving of $7,175 which is the maximum stamp duty rebate available to first home buyers in QLD.

Additionally, savings on stamp duty may still be available if you pay between $500,000 and $550,000 for your first home. As a guide, if your first home is worth $530,000, you pay stamp duty of $6,300 a saving of $3,500. These savings cut out altogether if your first home costs $550,000 or more.

Click here for more information on the QLD First home Owner Grant.

How much is the First Home Owners Grant SA?

There are currently no specific stamp duty concessions available for first home buyers in SA.

The $15,000 FHOG in South Australia is only available to first home owners who buy or build a brand new home. You can choose from a house, apartment, townhouse or villa, but you will only be able to claim the FHOG SA if you pay below $575,000 for your home.

You can also claim the First Home Owner Grant in South Australia when you buy a block of vacant land to build your first home on. However, the end value of your building plus land must be no more than $575,000.

Click here for more information on the SA First home Owner Grant.

Stamp duty concessions in TAS

If you buy an established home, you are not eligible for the FHOG in Tasmania but you may be able to claim savings on stamp duty. If you’re home is valued at

$400,000 or less, you will receive a 50% discount on the property transfer duty (stamp duty).

How much is the First Home Owners Grant TAS?

The FHOG Tasmania is worth $30,000 until 30 June 2022 but only when you buy or build a new home. Off the plan purchases are also eligible. In Tasmania, there is no limit on the purchase price of the property, and the FHOG is not means tested.

Click here for more information on the TAS First home Owner Grant.

Stamp duty concessions in VIC

First home owners in Victoria don’t pay stamp duty at all on their first home as long as the property is valued below $600,000. You may still be eligible for savings on stamp duty if you pay between $600,000 and $750,000 for your first home. The stamp duty concessions available in Victoria apply to both established and new homes.

How much is the First Home Owners Grant VIC?

The FHOG Victoria is only available if you buy a newly built home or if you choose to build a home from scratch. The FHOG is worth $10,000 if you build/buy in Victoria.

Your first home can be a house, townhouse, apartment, or unit but it must be valued at $750,000 or less, and it must be a new home – being sold as a home for the first time, and less than five years old.

Click here for more information on the VIC First home Owner Grant.

Stamp duty concessions in WA

If you buy vacant land to build your first home, you’re exempt from paying stamp duty as long as you don’t pay more than $300,000. If you pay between $300,000 and $400,000 you will be entitled to a reduced rate of duty.

If you buy a home costing up to $430,000, no stamp duty is payable at all. If the value of your home is between $430,000 and $530,000, you’ll be entitled to a reduced rate of stamp duty. There are no additional concessions for homes valued above $530,000 and land valued above $400,000.

How much is the First Home Owners Grant WA?

The FHOG WA is worth $10,000 when you buy or build a brand new home. There are limits on what you can pay for your first home to be eligible for the FHOG in Western Australia.

If you’re located south of the 26th parallel, which basically covers all the Perth metropolitan area, you can claim the FHOG WA if your new home is worth up to $750,000 – this includes the value of the land plus buildings.

If you buy or build a home north of the 26th parallel, the property must be valued up to or below $1 million to be eligible for the FHOG WA.

The First Home Owner Grant in Western Australia is no longer available if you buy an established home however you may be able to claim stamp duty savings.

Your local Mortgage Broker & Finance Experts in South West Sydney including Abbotsbury, Fairfield, Guildford, Cabramatta & surrounds

Start your home loan journey today

I want to buy a home

I want to buy an investment

I'm considering refinancing

Your local home loan experts, here to help you find the right loan in South West Sydney and across Australia.

Why use Yucel & his team from Mortgage Choice?

We are different to other brokers

We work for you

We do the research & comparison for you

We save you time

We can find you a better deal